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GIC HOUSING vs REC - Comparison Results

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Current Valuations

    GIC HOUSING REC GIC HOUSING/
REC
 
P/E (TTM) x 6.6 8.7 75.8% View Chart
P/BV x 0.6 1.9 31.8% View Chart
Dividend Yield % 2.2 3.3 68.5%  

Financials

 GIC HOUSING   REC
EQUITY SHARE DATA
    GIC HOUSING
Mar-24
REC
Mar-24
GIC HOUSING/
REC
5-Yr Chart
Click to enlarge
High Rs292524 55.8%   
Low Rs155116 133.8%   
Income per share (Unadj.) Rs196.3180.4 108.8%  
Earnings per share (Unadj.) Rs28.153.7 52.3%  
Cash flow per share (Unadj.) Rs60.870.7 85.9%  
Dividends per share (Unadj.) Rs4.5016.00 28.1%  
Avg Dividend yield %2.05.0 40.2%  
Book value per share (Unadj.) Rs339.6263.4 129.0%  
Shares outstanding (eoy) m53.852,633.22 2.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.11.8 64.2%   
Avg P/E ratio x8.06.0 133.6%  
Avg P/CF ratio x7.25.8 123.1%  
Avg Price/Bookvalue ratio x0.71.2 54.2%  
Dividend payout %16.029.8 53.8%   
Avg Mkt Cap Rs m12,034841,973 1.4%   
No. of employees `000NANA-   
Total wages & salary Rs m6402,380 26.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m10,572475,048 2.2%  
Other income Rs m12514,461 0.9%   
Interest expense Rs m7,107299,647 2.4%   
Net interest income Rs m3,465175,400 2.0%  
Operating expense Rs m1,39810,022 14.0%   
Gross profit Rs m2,066165,379 1.2%  
Gross profit margin %19.534.8 56.1%  
Provisions/contingencies Rs m1673,321 5.0%   
Profit before tax Rs m2,042179,599 1.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m52838,145 1.4%   
Profit after tax Rs m1,514141,455 1.1%  
Net profit margin %14.329.8 48.1%  
BALANCE SHEET DATA
Advances Rs m99,7834,991,921 2.0%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %3.43.3 102.6%  
Net fixed assets Rs m4366,315 6.9%   
Share capital Rs m53931,916 1.7%   
Free reserves Rs m17,750661,586 2.7%   
Net worth Rs m18,288693,503 2.6%   
Borrowings Rs m3,965363,018 1.1%   
Investments Rs m2,070300,845 0.7%   
Total assets Rs m103,9645,489,085 1.9%  
Debt/equity ratio x0.20.5 41.4%   
Return on assets %1.52.6 56.5%  
Return on equity %8.320.4 40.6%  
Capital adequacy ratio %33.625.8 130.0%  
Net NPAs %2.70.9 305.7%  
CASH FLOW
From Operations Rs m5,221-577,226 -0.9%  
From Investments Rs m635-18,310 -3.5%  
From Financial Activity Rs m-6,194595,878 -1.0%  
Net Cashflow Rs m-338342 -98.9%  

Share Holding

Indian Promoters % 42.4 52.6 80.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 8.8 35.5 24.8%  
FIIs % 2.9 21.2 13.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 57.6 47.4 121.6%  
Shareholders   67,589 1,040,888 6.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GIC HOUSING With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    AAVAS FINANCIERS    


More on GIC HOUSING vs REC

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

GIC HOUSING vs REC Share Price Performance

Period GIC HOUSING REC
1-Day -3.40% -4.90%
1-Month -7.40% -7.71%
1-Year 8.56% 44.87%
3-Year CAGR 9.67% 69.92%
5-Year CAGR 5.32% 36.49%

* Compound Annual Growth Rate

Here are more details on the GIC HOUSING share price and the REC share price.

Moving on to shareholding structures...

The promoters of GIC HOUSING hold a 42.4% stake in the company. In case of REC the stake stands at 52.6%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of GIC HOUSING and the shareholding pattern of REC.

Finally, a word on dividends...

In the most recent financial year, GIC HOUSING paid a dividend of Rs 4.5 per share. This amounted to a Dividend Payout ratio of 16.0%.

REC paid Rs 16.0, and its dividend payout ratio stood at 29.8%.

You may visit here to review the dividend history of GIC HOUSING, and the dividend history of REC.

For a sector overview, read our finance sector report.



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